Credit card might be the most convenient purchase method in the 21st century. Although it is very popular, not all people could have a credit card.

Different credit card companies have different application requirements, but some basic requirements are universal. Before applying for a credit card, we need to first understand these universal requirements first

If you want to apply for a credit card, you need to be at least 21 years old or 18 years old under parent’s permission.

The CARD Act of 2009 stipulates that banks could not market their credit products to young adults without the income to repay their obligations.

Thus, a civilian needs to be at least 18 years old to get a credit card. What’s more, if you are under 21, though you can still get a credit card, you are required to provide documentation that proves you have your own source of income or your parent’s permission.

You need to have social security number before applying for a credit card.

Generally, you need to provide your social security number during the application. Although non-citizens could apply for a credit card, non-citizens without a social security number could not apply for it.

You need to demonstrate that you have a verifiable source of income.

You are always required to provide your estimated monthly income when applying for a credit card. However, you do not need to report all your income but only the income that you want to be considered as “available” to repay your credit card.

Your reported income is one of the most important factor for banks to decide whether or not to approve your application.

If you are a full-time college student who has part-time job, you could apply for a student credit card by reporting your part-time job income even if this income is comparatively small.

You need to have a positive credit history.

You need to have at least 700 credit scores or more to apply for an unsecured credit cards. If you do not have a positive credit history or your credit scores are less than 700 points, you might need to apply for a secured credit cards, which ask you for deposits, to build up your credit scores.

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